Credit union · NCUA insured
VAPR Federal Credit Union Auto Loan Rates
VAPR Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How VAPR Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Juan, PR, where VAPR Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
VAPR Federal Credit Union
4.75%APR
- Terms
- up to 84 months
- Up to
- 13.75% APR
- Discount
- None included
New Auto Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
VAPR Federal Credit Union auto loan score
81
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where VAPR Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loan
Subject to credit approval. Certain restrictions apply. If credit score is 760 or higher, qualify for terms of up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.75%–13.75% | Special rate valid until November 30, 2026. Subject to credit approval and meeting criteria established by VAPRFCU. Terms of up to 84 months available if credit score is 760 or higher. |
Used Auto Loans
Includes credit protection program in case of income loss. Terms of up to 84 months. Subject to credit approval. Certain restrictions apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.99%–16.75% | Special rate valid until November 30, 2026. Subject to credit approval and meeting criteria established by VAPRFCU. Terms of up to 84 months. |
Who can join VAPR Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.